vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Horizon Financial Management
State: VA

Complaint narrative:
I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2016 Equifax deleted accounts and inquires listed below and did n't notify me about adding them back on XX/XX/2016. 
1. XXXX account number XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the collection agency, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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

Complaint narrative:
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a balance on an account that i 'm an authorized user on. I 've sent XXXX letters and there are some collections that ar n't mine. The balance has been paid in full. What should I do. They refuse to update this and it 's affecting my score. Also I submitted an investigation request on XXXX medical collections from Indiana. I was in texas during that period

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent an investigation/dispute to Equifax on XX/XX/XXXX regarding identity thief along with a police report and affidavit. they lost my police report, that was their first excuse on reply. On XX/XX/XXXX I sent a second request for investigation/dispute to Equifax, docs received. also between XXXX and now, I tried to follow up with their on line process and for my trouble, they kept putting me off and generated over XXXX confirmation numbers for me. they finally told me the ca confirmed and that was good enough for them. it took of 70 days for this to happen. I asked them is n't the definition of identity thief, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been paying XXXX : XXXX XXXX - XXXX accounts- XXXX should be closedXXXX XXXX these accounts are showing XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
I reporting reporting illegal actions by my mortgage company or service center ( Seterus ). Today is the XX/XX/2015 i paid my mortgage on XX/XX/2015 .My comfirmation # XXXX. My loan number is XXXX. I went to my property on XX/XX/2015 which was a thursday and saw my lawn was cut. I check with my gardener and he admitted that he was coming tomorrow to cut the grass and edge. The problem is that i am not XXXX late or nor am i in foreclosure. My mortgage is current and thought i was late on my paymentit was still done within the month it was due. This does not necessate ( Seterus ) to dictate and have people come on my property and due grass cutting or anything of that nature. The property is not abandon it is under renovation. There is current activity in and out of the building due to repairs an renovation activity. There is no reason for them tpo send someone to my property to grass my grass. I have a gardener to come twice a week to take care of that job. They have no right to do this without justification .The house and its maintance is being care for by me .They have done this before and try to bill me for the service. The point is the grass was not that high to were it did n't show someone was tending to the lawn care and general needs of the property. They need to be notify to cease and desist activity .If they come with applying this to my mortgage this would not be fair and a violation my home owner rights. I appeal to you for assistance to this matter, because i do n't think they do such antics to a home owner that is keeping up with he mortgage payments. Also a reminder to house is not in foreclosure are behind in the mortgage. Will you be able to help stop them doing such activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There was an inquiry made on my credit by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. I called them and alerted them of the fraud. Someone opened up a credit card and made purchases. I want the inquiry removed and I want to prosecute the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I paid both collection under my equifax account, even though, they both shown as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because Equifax , has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verfiy these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After failing to resolve the issue by an online dispute, I tried to call Equifax to correct inaccuracies in my credit report. The first XXXX CRs I spoke to could barely speak XXXX and kept repeating the same line " upon checking ... '' without addressing my questions. Between them, I was also put on hold for long long times. Finally, I got connected to a supervisor named XXXX XXXX. She, throughout the conversation, refused to answer my questions in a straightforward way. Worse, she refused to answer my questions by misinterpreting them. She spoke like a politician, using languages like " can not answer a hypothetical question '', etc. I was so fed up that I asked for her identification. She got upset and hang up the call without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has placed a charge off on my credit report on XXXX/XXXX/XXXX from tower XXXX When the debt has been discharged via bankruptcy. 

we contacted XXXX XXXX and they did not place the charge off my my credit report. 

Equifax please call XXXX XXXX XXXX at XXXX in the bankruptcy department and she will verify the charge off is not valid see email string and docs attached DO NOT IGNOR escalate TO SUPERVISOR!!!!!! 
No letter. She said she knows the process seems convoluted but the best thing to do is for us to complete Equifax dispute online. In comments section, we can put that we have spoken with XXXX XXXX XXXX at XXXX. Equifax will then forward it to her, likely within a day. She normally gets them anyway as she is the XXXX collections contact. She said no fault on us but there is an existing issue. XXXX recently changed credit card vendors, hence items being re-reported. 

XXXX From : " XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX Subject : RE : XXXX Ok please get to write a letter of removal if she can not then ask her write a letter showing it was part of the bankruptcy and should be removed the bankruptcy has been discharged. We will forward that to Equifax to remove but we need their help Equifax will not investigate they just verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX dob XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation