vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Credit Reporting Agency : Equifax - Legal Item. This issue is Primarily My Name Being the Same as the Defendants Name on a legal case, Which is the most that Equifax is tieing me with. Had Disputed this case a year ago, Equifax Verified they had no actual Information Connecting Me with the incident. No SS # No Drivers License # Infact the Collections Debt account is not on my Report Either, Just the Judgement Case has been Put on due to My Name being the same. Equifax has refused to remove the Public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
We received a notice on XX/XX/XXXX from Seterus, Inc indicating we were in default and owed {$3200.00} to cure the default as of XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX letter also indicated that Seterus, Inc had filed a Notice of Intent to Foreclose. The letter indicated no legal action would be filed for 45 days from XXXX/XXXX/XXXX. I notified Sererus XXXX XXXX XXXX XXXX at XXXX and by fax at XXXXby phone, by fax and by mail that we would be able to pay the default amount in two installments in XXXX and XXXX. The amount needed to cure the default as of the XXXX/XXXX/XXXX notice is {$3200.00}. I indicated in my voice mails, my fax and my letters sent XXXX/XXXX/XXXX that I would make two installments of {$1600.00} in XX/XX/XXXX and XXXX to cure the default and prevent foreclosure. I also indicated that I would pay the regular monthly mortgage payments of {$950.00} in XX/XX/XXXX and XX/XX/XXXX in addition to the {$1600.00} to pay the default amount and bring our account current. I got a call back on XXXX/XXXX/XXXX from XXXX at Seterus at XXXX that my fax was illegible I recontacted him and XXXX XXXX XXXX indicating what the fax was asking and also indicating that I had mailed a copy of the letter and the fax material. The copy I mailed to XXXX XXXX and XXXX were legible. Essential I indicated to them that we were offering the abnove proposal to bring our account current and to avoid foreclosure. I indicated I planned to make the above payments but wanted a breakdown of how the default amount was arrived at. THe person I contacted at Seterus, INC on XXXX/XXXX/XXXX was XXXX XXXX XXXX Consumer and Government Affairs ph XXXX fax XXXX. 
I mailed correspondence ( the fax material ) to ( 1 ) Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX, XXXX XXXX

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

Complaint narrative:
never lived in texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds
State: WA

Complaint narrative:
Summary : I attempted to pay off my student loan debt. I am discovering now that I was given incorrect information and I am now being charged a XXXX % collection fee which amounts to {$640.00} on top of what I thought was my final payment of {$3600.00} to close out this account. 

1. - XXXX/XXXX/2016 - I called to pay with my debit card, since I was unable to online, which would have been an immediate payment within the 60 days - and I found out that I could n't and had to pay by check. I received a 2 day payout amount of {$3600.00} via the automated line. 
2. - XXXX/XXXX/2016 - I called to confirm the overnight address ( because the original address I was given did n't match what I found online ). I was advised that I could overnight payment XX/XX/2016 to arrive XX/XX/2016 to payoff the student loan in the amount of {$3600.00}. 
3. - XXXX/XXXX/2016 - payment should have been received, but may not have been forwarded to the correct department for processing? 
4. - XXXX/XXXX/2016 - payment was indicated as received ( advised XXXX/XXXX/16 by XXXX XXXX Escalations Dept. USA Funds ) 5. - XXXX/XXXX/2016 - advised by XXXX that the amount of {$3600.00} was not the correct amount to pay despite it being the amount given by the system and XXXX subsequent representatives. It should have been {$3600.00} -- which I was never advised of, otherwise I would have happily paid that amount. 
6. - XXXX/XXXX/2016 - advised by XXXX that the information I was given in XXXX was incorrect and the payoff date was XXXX/XXXX/16 and even paying on XX/XX/XXXX would have been late and incurred the late charge. 

Concerns : 1. Why was I not allowed to pay by card on XX/XX/XXXX or XX/XX/XXXX - in which this entire issue would have been moot. 
2. Why was I given the wrong amount? I would have easily and happily paid an additional {$7.00} to be done with this situation. 
3. Why would I have overnighted payment if I had been advised that it would n't payoff and close out the account. 
4. Why is there a XXXX % fee ( original payoff amount given {$3600.00} - current late collection amount {$640.00} ) for a payment that is by their own assessment at most 48 hours late. 

Despite doing everything I could to collect the full amount and pay it on time, then jumping through the additional hoops of having to pay it by check and overnighting the payment ... I was very surprised to find that I again owed them a XXXX % fee of {$640.00} which feels outrageously high in any situation, but particularly on a debt that was by their account 48 hours late - but only due to USA Funds own processes that feel like they are built for the consumer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I was negotiating a settlement with Pressler & Pressler regarding a XXXX XXXX account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX XXXX who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called Pressler regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am inquiring about XXXX and XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 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:
On XXXX/XXXX/16 there was a hard inquiry done on my credit report from XXXX. I called Equifax for help with this and the person told me that I would have to call XXXX she told me it was XXXX XXXX North Dakota and that they were the only one that could remove it. She also told me that because I do n't have some sort of protection on my credit report that anyone could run a hard inquiry anytime, but I could pay {$16.00} a month and that would not happen.I called XXXX XXXX North Dakota and they way it is n't them. I have not pulled my other reports yet from XXXX and XXXX. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT

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

Complaint narrative:
I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 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 never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation