vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Received disclosure notice dated XXXX/XXXX/XXXX from XXXX Mortgage. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XX/XX/XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for XXXX. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from EQUIFAX.

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

Complaint narrative:
Equifax deleted all my accounts, and my credit history dropping my credit score for XXXX points. Almost all of tha accounts deleted from my record are still open and in use. They have not provided even a current copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Fraudulent inquiries/Equifax not investigating properly. 
All inquiries are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a public record that appears on my Equifax credit report with a Docket # XXXX. This judgement does not appear on NJ Court Records search. It was a previously satisfied judgement and was advised once this was removed from court records that it was to be removed from my credit bureau file. This judgement does not appear on my XXXX or XXXX report any longer for these reasons. I have disputed this item multiple times with Equifax because it is no longer valid and not in searchable court records. Equifax states that this item will be removed from my credit report until XXXX of 2017. If the item is not an entered judgement any longer it should not remain on my credit file longer than neccessary. Equifax has repeatedly stated to me thatthey verify and iformation on the credit report directly with the courts. I contacted the court directly and they stated to me that they do not reach out to credit bureaus or respond to disputes from credit bureaus regarding public records. Equifax is using a third party company to apparently verify public records but my question remains, how is a third party company verifying a public record that does not exist?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax has not sent me back results of this for XXXX months, I attached the dispute pending that has been that status for XXXX months, they are doing nothing

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

Complaint narrative:
There are XXXX names on my report that I ave never used and dont use as well as XXXX addresses. This information is also kinked to XXXX credit card accounts that I have never had are not in my name and that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I 've disputed this entry several times about incomplete and inaccurate information being reported..I personally contacted original creditor and was told he no longer had files and or paperwork to substantiate or verify my claims of inaccuracy..so with that being said how is my disputes being returned as verified ... .Although original creditor is reporting a XXXX balance/charge-off at most it should be showing paid/charge-off because I sent in photocopies of receipts that showed I paid this account in full thru the party it was outsourced to. Original creditor told me he could n't make any changes cause he no longer had my files .... ( I spoke with a XXXX XXXX of XXXX XXXX the branch manager at XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are actually XXXX problems : 1 ) We 're applying for a mortgage refi and our credit was pulled to see if we qualify. I had tracked my XXXX score for months on my bank 's ( XXXX ) site, which reported a score of XXXX until this month when it reads XXXX. The scores pulled for the loan range as follows : XXXX ( XXXX ) ; Equifax ( XXXX ) ; XXXX ( XXXX ). The mortgage broker is unable to explain the discrepancy between these scores and the XXXX score my bank reports. What gives? 

2 ) I downloaded my free XXXX report ; when I tried to do the same for Equifax, part of their " security '' routine was to ask questions about accounts opened several years ago, but in such a way that I had no idea what could possibly constitute the " correct '' answers to this quiz. Because the Equifax score is critical to our loan evaluation, I need an online report from them, yet I can obtain only a snail-mail report. Presumably, I failed their " quiz. '' This leaves us high and dry. 

3 ) A new mortgage-servicing company ( XXXX ) just took over our existing mortgage. The XXXX report I received online shows they did a credit check on XX/XX/2016. I neither wanted, nor needed, nor authorized this credit check, which would not be helpful when we 're applying for a refi. What can be done about this unwanted intrusion in our financial affairs? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is showing an Open Collection of {$290.00} for XXXX as reported by XXXX XXXX. I had previously contacted them & stated this acct had been inc in my 2009 bankruptcy. They came back & said they verified the debt thru XXXX. I then contacted XXXX & sent them copies of my bankruptcy. It showed the rental property at XXXX XXXX XXXX XXXX VA XXXX, for which the XXXX acct was for, had been surrendered and the XXXX acct listed under creditors. I then heard from XXXX ( XXXX XXXX XXXX with the XXXX Escalation Team. He said XXXX had been instructed to cancel and withdraw the collection and to report this info to the credit bureaus. A week later I obtained a new copy of my credit reports and it was still showing as an Open Collection. I spoke XXXX again and he put me on hold while he called XXXX and spoke with XXXX at XXXX XXXX XXXX XXXX. XXXX said she had been instructed, again, to cancel the collection and withdraw the info fr the cr bureaus. He gave me her contact info and said to call her to confirm. XXXX would not talk to me as it was a collection. She gave the # to their collections dept. ( XXXX ) XXXX. I then spoke XXXX ( XXXX XXXX who said that XXXX had canceled it but they were still reporting it until they were paid by XXXX. I said this was illegal. Once the creditor advised them the account was in error and had been discharged under bankruptcy they had no right to continue reporting it as a collection item. What happens between XXXX and XXXX re payment or cancellation fee is not my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

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

Complaint narrative:
XXXX XXXX sent me a letter stating sorry that they are unable to approve my application at this time. Which was supposedly filled out on XXXX XXXX, 2016, which was incorrect I did not apply for or authorize XXXX XXXX to do any inquiries. I did a fraud case with Equifax Credit Agency on XXXX/XXXX/16 they responded stating the information is factual which is incorrect. I called Equifax on XXXX/XXXX/16 and informed them that their response is incorrect that 's fraud I did not apply for ant credit card, XXXX then informed me that needed to call XXXX XXXX. I called them also on XXXX/XXXX/16 at the number given by Equifax called several times hit several extensions no answer even gave another number still no answer. I would like for the fraudulent inquiry to be looked into further and removed off my credit report if possible which was considered a hard pull on my report which has affected my credit score decreasing it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have XXXX late payments listed on my credit report because the monthly statements was sent to the wrong address.I have requested that all credit card companies sent my monthly statements to my XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX rather then XXXX XXXX XXXX, XXXX, Louisiana XXXX. The XXXX XXXX XXXX, XXXX, LA XXXX address is a box on the street which anyone can just come alone and steal mail out of this box on the highway.Send all mail to XXXX XXXX, XXXX, LA XXXX for security reasons so packages are not stolen if I 'm out of town on vacation or ill due to sickness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I was approved for a mortgage modification with Seterus because I 'm currently XXXX delinquent. Seterus is proposing a 40 year term to modify my mortgage for that small amount when I currently have less than 16 years left now. The modification include illegal fees and charges. This company takes advantage of the difficult times people are having and force them into terms that are probably illegal but benefits the company greater. This company needs to be investigated and the responsible people should be charged and jailed to the max.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX

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: PA

Complaint narrative:
I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX. The Credit Bureaus including Equifax , XXXX, and XXXX are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I 'm 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 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 non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
My client wanted to proceed with a short sale. We went all the way through the process of conducting a short sale, inclusive of appraisals, thousands of pieces of paperwork, and then discovered that there was a pre-existing home equity line of credit on the property which was overlooked by the predecessor to Seterus, the current mortgage holder. As such, the XXXX XXXX home equity line of $ XXXX had to be paid first according to the applicable law, and the rest of the available funds would be disbursed to Seterus. If Seterus was mislead by its title insurance company which insured the transaction, the claim against the title insurer still be an option, but to be considered first in a short sale IS NOT, pursuant to the applicable law. There was a Sheriff 's Sale scheduled in XX/XX/XXXX which I was able to postpone. I do not know the current status of the potential Sheriff 's Sale though I understand that it may be on hold. 

We filed a FORMAL QUALIFIED WRITTEN REQUEST according to the applicable law, received a confirmation of receipt from SETERUS and have not heard since. More than 30 days have gone by, so I called Seterus and was told that there has been no resolution of the issue or even an effort to get back to me within 30 days. The agent at Seterus stated that in his opinion, it is not necessary to get back to the requester in these circumstances, and if it is, the time frame would be 30 business days if there were a time frame at all. I find this to be contrary to very clear applicable law. We have a buyer for the property ready and waiting to purchase at a short sale. XXXX XXXX has likewise approved the short sale with its loan being taken care of first. The law is clear. But SETERUS does not seem to care about the law. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation