vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.

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 — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my Equfax report that no one seems to be able to correct. Equifax says they verified with XXXX ( # XXXX. ) XXXX ( # XXXX ) says they do n't handle credit card divisions of the XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX . XXXX gave me another phone number to call, and they answered identifying themselves as XXXX ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first XXXX ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the XXXX ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have zero balance. They gave me number to another XXXX ( - # XXXX ) XXXX who tells me they have the same information that I have showing zero balances, and dont have any idea who the " other '' XXXX ( # XXXX ) isXXXX XXXX # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with Equifax. Equifax tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with equifax to drop by XXXX points. I have been turned down for a loan due to this. XXXX told me to write to to FCRA. When I look up information for FCRA- it sends me to -- XXXX! 
I have a zero balance with XXXX XXXX and XXXX XXXX. My balance with XXXX is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from Equifax ONLY & gt ; I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from Equifax today says they " verified '' this information with XXXX and it is staying on my report Obviously they did not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax send back results as verify by creditor when account has been dispose off or accounts have not been properly verify.

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

Complaint narrative:
Under the public records sections of the consumer credit report, an item is listed without the status or resolution of that item being listed which has been resolved. The item is a state issued tax lien which has been paid in full in addition to being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to get my free annual credit report online. I was told it was not possibleto do it online and I needed to submit a huge host of documentation via standard mail. 
When I actually paid for a report. The same bureau had no problem deliveringthe same credit report without the same lengthy requirements. This seems like adouble standard and an attempt at driving sales to their site to make you pay foryour report. I had no problem with the other bureaus. Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax is report a acct that on XX/XX/2016, on XXXX i dont live there

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting documentation attached.

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

Complaint narrative:
they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the account : XXXX & XXXX XXXX XXXX with XXXX Equifax , and XXXX due to Fraud. I contacted XXXX XXXX XXXX & XXXX after Equifax stated the information came back verified as accurate. XXXX XXXX XXXX assured me they sent an AUD to have the information removed from all XXXX credit bureaus. I requested a copy and forwarded the letter from XXXX signed by the Credit and Collections manager, with a screenshot of the updating the removal of account and email correspondence. Equifax refuses to remove this fraudulent account from my credit bureau file. I have called over 30 times between XXXX XXXX and XXXX XXXX and my request to have the item investigated to be removed. I am transferred from XXXX agent to another, then a different supervisor who advises " we will open a dispute and provide the results in 30 days ''. This response was given in XXXX, XXXX and XXXX. It has now been 90 days and I continue to fax, email, and call Equifax weekly and CONTINUE TO RECEIVE THE SAME RESPONSE. 

This account is causing EXTREME HARM AND DAMAGE to my credit profile and preventing me from qualifying for my first home loan program. 

Equifax is reporting as : XXXX & XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : Account Status : Collection Past Due Amount : {$XXXX} Comments : LAST REPORTED DELINQUENCIES : XXXX CONS DISPUTES - REINVESTIGATION IN PROCESS PAID CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint is linked to XXXX other complaints, uploaded documents will provide better description of actual complaint facts, I have filed complaint with H & HS Office of Civil Rights for violations of HIPPA. EQUIFAX CONTINUES TO PUBLISH ILEAGALLY OBTAINED DOCUMENTS & DISPLAYS THEM IN VIOLATION OF HIPPA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.

Company response to consumer: Closed with explanation