vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: VA

Complaint narrative:
Safe Rent has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called Safe Rent but XXXX at Safe Rent refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am not responsible for this debt, responsible party assumed debt in divorce agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
submitted a request for a investigation of incorrect information on a account months ago. Still shows as consumers investigation but nothing else, should have been removed from account as of XXXX anyhow.

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

Complaint narrative:
I disputed information on an auto loan that was inaccurate from XXXX XXXX and Equifax told me the creditor updated the information and it is still the same on the report. I told them to send me proof that they verified the information was correct because the date was not updated and i didnt get a response from them at all. Also there are inquires from XXXX XXXX to XXXX XXXX that i did not authorize and new addresses kept popping up on my report that i was not associated with. They removed the addresses but not the inquiries. Also the collection item XXXX is listed in the account area like its still open and the collection agency has the account. Both were disputed because of the duplicate information listed. The other collection agencies would not send me the information i requested and told me to dispute it with equifax and they would remove them and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and XXXX time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint stating that the Public Record Information 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 ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that 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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} balance to XXXX of Virginia was reported ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is a person listed on my report with my same maiden name living in XXXX, WI that is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: SC

Complaint narrative:
I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
NYS has sent me a letter stating that the tax lien for {$530.00} is being vacated and withdrawn. They stated by sending this letter, the credit agencies are supposed to delete this from my credit report immediately. XXXX and XXXX have been very helpful and deleted the judgement with no problem. Equifax is making this difficult and not deleting it from my credit report. I disputed and sent the required documentation on XXXX XXXX, 2015 and on XXXX XXXX, 2015 they stated its showing satisfied. I highly doubted they went to the NYS courts to verify in less than one day. I spoke to a supervisor and he stated he can not delete it. They are making up all kind of lies stating it has to stay on my credit report for 7 years. The lien is vacated which means it does not exist. 
This is causing me stress as I am trying to get a mortgage and I need this deleted off my report. I fought hard to get this vacated by the state and they did me a favor by doing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX Equifax 1. The Account was Open from XX/XX/2015 to XX/XX/2015, or 3 months. 
2. Moths review shows 12 months 3. There is 12 months of incomplete and unreported Pay History on this account 4. Please verify the Open Date, Closed Date, Months Reviewed, and Payment History XXXX. 5. Either resolve the data issues on this Tradeline, or DELETE the account. 
Equifax , please do not simply delete the Pay History as doing so orphans the record, confirms its incomplete state and destroys my scores. 
Please share an updated, printed report as I do NOT agree to any electronic repors or responses other than through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX we received a discharge on our Chapter XXXX. Shortly after, we got a modification on our first mortgage with XXXX. XXXX was unable to find the paperwork on the HELO loan. This resulted in XXXX filing a foreclosure. On or about XXXX XXXX, XXXX, Chapter XXXX was filed. It was agreed that {$500.00} per month would be paid to XXXX until the back interest was paid. 

On XXXX XXXX, XXXX, XXXX transferred the servicing of the XXXX Mortgage to Seterus. At the time of the transfer, the XXXX Mortgage was current. The following has become an issue:XXXX Seterus claims that the XXXX Mortgage is in default. 
XXXX. Seterus applied to the court to get the payments for the HELO transferred to themXXXX. Seterus will not give statements showing any credits to the account for the regular payments made by me and the payments they fraudulently received from the trustee. 
XXXX. Seterus did not respond to the " Notice of Error/Information Request/QWR '' thus violating itXXXX. The Chapter XXXX payments have been redirected back to XXXX but Seterus has not returned the payments collected back to XXXX. 

A letter Notice of Error/Information Request/QWR ( See Attached ) letter was sent to XXXX and Seterus to address these issues. While XXXX has been diligent in trying to rectify the issues, Seterus has all but ignored them. The only response from Seterus was that the claim is valid. I never asked for confirmation of the claim. I will attach a copy of the QWR. It is my contention that Seterus is acting in a manner to force the loan into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 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:
TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.

Company response to consumer: Closed with explanation