vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement. 



We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time. 



We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house. 



Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges. 





One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 



Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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:
For years I have been trying to get a copy of my credit report from Equifax to no avail. Whether online or by mail they always have an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, 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 not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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:
Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 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:
Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I contacted Equifax asking them to investigate errors that appeared on my credit report. As of today, over 3 months have passed since I sent my request to them, and I have yet to receive a response. I have also sent at least XXXX follow-up letters asking for my credit updates, and I have still not heard a single word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA XXXX can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the XXXX that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of zero. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely zero, and they owed me {$350.00}. 

Equifax shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: IL

Complaint narrative:
when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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:
Equifax has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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:
Unable to retrieve my free credit report as I believe I have been a victim of Identity Theft, since the security questions I was asked did not correspond to my life.

Company response to consumer: Closed with explanation