vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have re-aging accounts that are still reporting on my credit back since 2007. I have disputed them some moany time and the credit reporting is still has not removed and will not help me any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax did not properly verify the information in my credit report. They did not contact the New York State Department of Taxation and Finance regarding this information.

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 — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.

Complaint narrative:
I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
My complaint is against " Seterus '', a debt collection and mortgage servicing company. 
My complaint would qualify as an overpayment of funds that are not being returned or acknowledged. 
Description - In XXXX of this year I set up a repayment plan to catch up with my mortgage. The agreed upon plan consisted of five monthly payments. The first payment of {$2900.00} and the remaining four payments of {$2200.00} each. After which regular payments would be made. 
The plan was set up and completed just as agreed upon. Each payment was drafted from my checking account and paid in full. This we agree upon, but XXXX additional ; payment of {$1400.00} was made on XXXX XXXX that they have no reasonable explanation for. I 've called 4 times, spoke to supervisors and various other analysts and they give me the go around that no reasonable person could understand. They do admit that mistakes were made on their part, but still refuse to return the money to me. ( I have statements and records to verify my facts. ) Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm been trying so hard to disputed all the wrong information with Equifax multiples times, I keep sending then information about my informationbut it looks like they do n't care, please I need your help to fix this problemright away since it is been a nightmare for me and my family

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

Complaint narrative:
I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed on my report few accounts which i did not recognize. As if someone else 's information got mixed up with mine. My accounts are all paid as agreed and should have no negatives showing. I wrote to all XXXX credit bureaus asking to correct my report and only some info was removed. I wrote few letters, each time some more information was corrected but as of today there is still wrong information showing and it is affecting me financial very badly. They 've been answering by what seems to be printout letters by codes. Their responses makes no sense and I am tired and frustrated from this process. 
All I 'm trying to get is to have my report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
the information that appear on my credit report was an identity theft. I also sent to you the police report that clarify what was happened. your investigation is not complete, according to the law. it should be remove and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history

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

Complaint narrative:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX 2015 I called Equifax in regards to my dispute results I received. I spoke to a customer service representative in regards to the outcome of my dispute regarding errors in delinquencies on my student loan accounts. Equifax did nothing to fix the issue, only verifying the debt as belonging to me. I submitted documentation to support my dispute. I was told by the Equifax representative that she was unable to read the documentation I submitted supporting my dispute when I was on the phone. I was given no correspondence that the documentation was unacceptable or they had an issues previous to our phone call. The documentation I provided supported that errors existed on my report. Equifax has an obligation to fix these errors, no just verify my debt. I know it belongs to me but there are errors I need fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.

Company response to consumer: Closed with explanation