vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was sent a letter from a collection agency who was collecting for the point at XXXX. The amount I felt was out outrageous I entered a complaint with XXXX and equifax to dispute the amount. This was done on XXXX/XXXX/2015. This was initiated by my lawyer at XXXX They then asked for an accounting history to prove the amount due. on XXXX/XXXX/2015 I called for to dispute the amount again tellling equifax that the amount was wrong and that we need to look at the accounting history. When eqifax got back with me I was told by them that the creditor insitsted on the amount and that " They did not have an accounting history available : I then spoke to superviosor XXXX at equifax and told her that according to the law section 611 5 A that they needed to look at the accounting to prove the amount owned todate thiis has not been done it has been over XXXX days. The law states that they have XXXX days to get back with a responce and furnish the information needed to clarify the amount, Another dispute was entered on XXXX/XXXX/2015, The previouse dispute said they did not have the accounting available since it has been XXXX days I am requesting that this be taken off my credit report an investigaton has not been done according to the law, The law states that if an investgation is not done XXXX dollars per item will charged,

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

Complaint narrative:
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seterus, Inc.
State: IA

Complaint narrative:
Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished with unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX ( XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There are addresses on my credit report that I have never lived at. The addresses are as follows, XXXX XXXX XXXX XXXX, XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Please these need to be investigated and then removed. I am trying to get into a home to even rent and can not due to these addresses being on my credit report. Please remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp
State: CO

Complaint narrative:
My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax continues to report a negative account on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
deleted from XXXX credit report but not the rest of them even after sending the letter i was sent that it was going to deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THIS ACCOUNT DOESNT BELONG TO ME IT BELONGS TO MY FATHER

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

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

Complaint narrative:
I am on ssi and have insurance that covers medical bill I have no co pay but they put bills on my credit report any way please remove medical

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My husband and I are not able to file a dispute online or over the phone. I 've tried multiple times and every time it has said that my request can not be processed at this time. I contacted customer service and they keep telling me to call the number I had previously called. I refuse to send my personal information through the mail. I badly need to get my report corrected so I can be approved for a mortgage loan.

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

Complaint narrative:
XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent a letter advising I am not disputing anything on my credit report, however, it still shows disputes on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC
State: OH

Complaint narrative:
credco continues to spill out nothing but lies. they continue to insist that their report to quicken indicated no bankruptcy. yet I have in my possession not XXXX, but XXXX rejection letters using now what can be considered to be bold faced lies. at this point it is now criminal in nature. the fbi should investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation