vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
Dentist called XXXX XXXX XXXX XXXX in XXXX XXXX California hired Trojan Professional Services. Trojan was advised that we do not owe {$230.00} in writing but continues to attempt collection of money that is not owed. Dental bill was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C.
State: MI

Complaint narrative:
I saw my court case today, this case was closed, either XXXX or bankruptcy when plaintiff said he received a judgement against me XXXX, he filed a judgement on a closed case and it 's XXXX dollars, this case was closed XXXX just look at my court record.he tried 9 times to garnish my Inc.taxes he also filed a stipulation for settlement the judge told him the case was closed he violated CFBP laws, read my court case.

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: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not been able to obtain a report from Equifax due to them being unable to verify me. I have obtained my report XXXX. They have incorrect information. They have a previous address as XXXX XXXX XXXX XXXX NJ XXXX. I have never lived at this address. They have employers as XXXX XXXX, Nevada XXXX, XXXX and I have never worked at either of these. I have worked for XXXX, XXXX XXXX, and XXXX. They have XXXX XXXX Bank reporting XXXX as BKXXXX duplicated and unknown status. These are incorrected and I have not had loans with them. The Bankruptcy from XX/XX/XXXX is to be removed. It has been over 7 years. Finally they have Collection accounts reporting that I am disputing them but have not removed them. XXXX XXXX XXXX {$540.00} & {$250.00}, and XXXX {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
iam having a problem with equifax i have called them i have written them and they just dont care iam trying to dispute some things with them when i go to the dispute site it rejects me saying iam not entering right information they ask questions that have nothing to do with me so they must have the wrong information there reporting wrong information on me and i should have the right to dispute i use XXXX with equifax and XXXX i have no problems with XXXX some help would be nice thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When XXXX manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had an unauthorized charge made to my XXXX credit card by XXXX for a service we had discontinued last year. My credit card had a balance of zero, at least that is what I believed because I had the card stored in a safe. Today, I receive a call from XXXX saying I need to pay my card..and I said it has a zero balance!!! They say NO, a charge was made in XX/XX/2016 for {$280.00} and I have not made a single payment since the charge. I called XXXX and read them the riot act and they are reversing the charge as we speak. In the meantime, being unaware of this charge, I am being penalized on my Equifax credit report for an unauthorized charge I was not aware of existed. Please purge this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Seterus mortgage XXXX has the XX/XX/XXXX 2015 mortgage payments shown as late and they have been reported to the credit bureas as such ... it is for loan # XXXX ... .numerous calls to them get NO response other than they say to contact the credit bureaus myself ... we have the confirmation # 's for the above mentioned months ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed a hard inquiry from XXXX on XX/XX/XXXX on my equifax credit report. The XXXX website said I could check my rate and it would not affect my credit ( ie : soft pull ). However, it was a hard pull which was not authorized. I disputed this with equifax on XX/XX/XXXX and they have still not completed their investigation nearly 60 days later. The equifax website shows my dispute as pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
equifax fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc
State: NY

Complaint narrative:
As of XXXX XXXX I had repaid my debt with an excessive amount. On that day, according to my account NBP sent a reimbursement check to me. I have not received it. When I contacted by email I was told to contact XXXX, to whom my last payment was made. When I contacted by phone two weeks ago I was told the holiday weekend may have slowed the check in the mail. I was told to call back at the end of the week if I had not received a check. This week I contacted XXXX, which actually showed that I had a XXXX cent credit which they promised to send to me. I called NBP immediately after and was told that XXXX owed me. I explained that, no, according to both statement and conversation with XXXX, they do not owe me more than XXXX cents. After being placed on hold I was told that I could call back after the XXXX of XXXX because only then would they be able to void the check and send me payment. I might also add that every month I received an email threat that they would take my monthly payment from my account and if there were insufficient funds I would lose even more money. They, apparently, do not hold themselves to the same standards.

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 2015-09-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a tax lein from back in XXXX, originally reported about XXXX. I have paid this lien ( XX/XX/XXXX, when i bought a house ). The XXXX court XXXX XXXX XXXX, FL ) shows it as paid. and on XXXX it is reporting correctly. I have talked with them and they say Equifax does not call, just goes on the court website and they do list XXXX documents, but they are not XXXX leins. XXXX is the original lein, XXXX is the payment notification from the IRS, and the XXXX is the release of lien. 
Equifax , on the other hand refuses to update the original lein to paid, even though I have submitted copies of the original lien, the payment, and the release. They state they must report all XXXX as public records and do so and mark them all as unpaid, which has dropped my credit score over XXXX points as compared to XXXX. I have filed XXXX onlline complaints and they refuse to address this oversight. I posted a comment / explaination to my credit file and they wont add it to the case either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never had a PO BOX . So the XXXX XXXX XXXX that is reporting on my credit file is not mine. This may have been open as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have through cfpb complained about how this company manipulates my credit score to no avail the do n't even response to my complains my credit score with them on XXXX XXXX was XXXX today XXXX XXXX its XXXX with no changes what so ever on my credit history please stop them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I wanted to purchase an automobile on credit and the lending agency stated that my credit report stated that I was deceased and they could not proceed further until I got it straightened out. I contacted the credit agency they referred me to and got my credit report and nothing on it stated I had died but it did show my current credit card balances and and latest credit activity. So I called the credit agency and they stated that a credit card was cancelled in 1997 due to the card holder being deceased and that was the reason they reported me deceased even though they could see that I had current activity. I lodged a complaint to get it resolved and they stated it would take 30 days. I was not happy with the delay because it basically keeps me from getting any credit for 30 days until this is resolved. The credit agency was completely insensitive to my problem and still stated it would be resolved within 30 days. They did gave me the credit card issuer phone number and the credit card number that allegedly was reported cancelled due to card holder being decreased. I called the credit card issuer and they stated the credit card number provided by the credit agency was incomplete and they could not help me. But they did state the the numbers provided was an very old credit card. In my opinion this reporting error is due to complete incompetence on the part of the credit agency when their own current records clearly show that I am not decrease as reported by the credit card company. It is clearly their reporting error and their mistake that is basically keeping me from getting any kind of credit until this is resolved. Something needs to be done to keep this from happening to other people including credit agencies need to be required to immediately to review their own records to determine if the alleged death is remotely true based on current activity.

Company response to consumer: Closed with explanation