vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXXThese addresses are in my personal information. I have never lived at either of these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.

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: IN

Complaint narrative:
Accounts for XXXX on my Equifax report are listed as charged-off/bad debt. These debts were included in my chapter XXXX bankruptcy. I 've disputed with Equifax and the response I received is " This creditor has verified to OUR company that the current status is being reported correctly. '' I can verify this account was included in my CHXXXX, but they did not file a claim. I 've attached my Discharge recipient notice and can provide a copy of my CHXXXX filing if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I was unable to get my Free Annual Credit Report. I fear my credit has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the Bankruptcy on my credit report with Equifax Credit Reporting Agency. The Bankruptcy was dismissed. Based on the law the Bankruptcy should be removed from my credit report because I never filed for the Bankruptcy. I am going to provide the dismissal papers for my complaint against Equifax Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello, I requested a re-investigation from Equifax for XXXX accounts that were supposed to be deleted from my record. I have attached the letter from the original creditor stating they are closing the accounts. Equifax has done their re-investigation and sent a return letter stating they have verified these accounts and item belongs to me. I am unable to get Equifax to remove accounts from my credit file. Attached is letter from Equifax & letter from XXXX XXXX ststing they contacted Equifax to remove from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I received a letter in the mail from Pressler and Pressler, claiming I owe a balance of {$890.00}. I directly disputed this last year with the XXXX credit bureaus and it was removed. They are still harassing me claiming that I owe them this money and if it is not received they will attempt to garnish my income and any money in a bank I may have. This information had been removed from my credit reports as of last year, and I no longer was responsible for it. These people went so far as to send a suspicious person to my home last year to " serve '' me court documents. I have never received an official judgement or court appearance notice in the mail from the actual courthouse, and again this was removed from my credit report. I want these people to send me a written apology and I do not wish to receive any further communication from these bullies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to order my free annual credit report online from Equifax. They would not let me order the report on line and implied that I answered some of their questions incorrectly, which means that someone has possibly stolen my identity. I tried to order a paper copy ( not online ) but was unable to download Equifax 's required form. It is in a format not recognized by Windows or Adobe. At the same time, Equifax re-directs me to a web page where I can order a bunch of paid credit monitoring and other products. I could not be more disappointed with Equifax. They are blocking me from obtaining my free annual report and at the same time trying to sell me paid products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have had a few things deleted from my credit report that has come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
I received a bill today for an escrow shortage and a notice to foreclose on my residence. I have made all payments for real estate taxes and insurance for several years. This is a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is still reporting XXXX tax liens ( public records ) that should be removed from my credit file. I have disputed this with them several times over the last year, sending them IRS forms 10916 ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Just recently, they removed XXXX of the XXXX tax liens, however they are STILL reporting XXXX of the liens. Please see the attached IRS documents supporting that these tax liens legally need to be DELETED from my credit file. Tax Liens that need to be deleted below : Case No : XXXX / SN : XXXX XXXX XXXX - XXXX XXXX XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is no score on my equifax ... .it 's shows no histroy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
current item in public record, wage earner plan filed XXXX is reporting inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX had a policy on my car that would pay in the event of total loss, I had insurance with XXXX, my car was in an accident when a herd of deer ran across the road in front of me, I only made contact with one and it bent the frame of my car the cars value was {$11000.00} at the time of the accident, my bill was from XXXX for an initial amount of {$5600.00} to repair then the adjuster found more damage and wrote another check to repair shop for {$1100.00} more dollars and the car still pulled to the left, asked the adjuster why was n't it totaled, he said he had already totaled XXXX cars that day he would n't do another. the car wore out tires and pulled and made noises asked XXXX to tota it they said no, so I told them to come and get the car, to dangerous to drive, they then sold it for {$3000.00} and told me I owed them the balance of {$13000.00} .The company I bought my new car from called them while going through loan process and asked them why did n't they total it, they said have to take that up with someone else, and I still owed the original price of the car {$13000.00} after 2 years of payments of {$350.00} a month and are still trying to get me to come get another car for same payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX of 2015 I bought a Truck and my Score was XXXX. On XXXX XXXX of 2015 my score went down XXXX points and on XXXX XXXX my score went down another XXXX points and no one at any of the agency 's can tell me why. I do n't understand XXXX points in 10 days with no activity except payments made on my credit card and my truck. I had my credit cleared except for XXXX Items which are XXXX XXXX, XXXX XXXX, and XXXX ( XXXX ) which were settled over a year ago and my score has remained steady for that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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:
My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company response to consumer: Closed with non-monetary relief