vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent the attached letter to Equifax back on XX/XX/XXXX. 52 days have passed, and they have not responded to me yet. They were supposed to respond within 30 days, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Seterus Inc. did not apply my clearly stated " Principal only payment '' correctly, resulting in me paying several hundred dollars extra in interest. After several attempts to correct this issue, they told me there was nothing that they could do about it, even though they admitted it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home XXXX.

Company response to consumer: Closed with explanation
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: SC

Complaint narrative:
I have never lived in XXXX, Ga. You have the wrong person for that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT CERTIFIED LETTER IN REGARD TO IDENTITY THEFT ASKING THEM TO REMOVE THESES FRAUDULENT ACCOUNTS AND INQUIRIES IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this compliant because Equifax has ignored my request to provide 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 XXXX 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 manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a judgment on my credit file with Equifax. I filed a motion with the XXXX Court in XXXX XXXX, NJ to vacate the judgment. The motion was granted by the Court. 
I submitted copy of the final judgment to Equifax , so they could properly report it on my credit report. They sent me something that I believe they did n't bother to investigate with a final investigation result, when all they had to had to do with the copy I submitted was to contact the Court as to whether or not the court document submitted truly came from there. 
They simply concluded that the judgment shall remain in my file, when it has been vacated by the court in an oral argument in front of a judge. 
I want Equifax to respect court documents, when its people claim to be investigating a dispute, they have to do just that. I also want my credit file not to have a judgment, because it has been vacated by XXXX Court XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX we were making trial modification payments with XXXX ( {$710.00} # XXXX ). We were approved in XX/XX/XXXX for the permanent mod as we only have XXXX income. The final papers were signed notarized and sent back to XXXX. XX/XX/XXXX the loan went to a new servicer SETERUS ( # XXXX ). Since then I have XXXX documented calls since XXXX trying to straighten out the modification with SETERUS, they are stating my payment is {$1000.00} which was before the modification. We have faxed, emailed and uploaded the documents to them XXXX times, out of the XXXX calls half of the representatives said they have to accept the agreement and the others said they did n't. On at least XXXX calls the representatives told us they were reaching out to the loss and mitigation department with another email asking that the modification be accepted. We also had to explain the situation on all XXXX calls, each representative assured us there would n't be an issue they have accepted all payments of {$710.00} that I have sent and now we have received a letter threatening foreclosure and still do n't have an answer. My last call was XXXX and they sent another email to the loss and mitigation department and when we asked what department we were speaking too they said it was mitigations. I 'm sure all calls are recorded if you need them. We have spoken to XXXX, XXXX XXXX and XXXX XXXX just to name a few. If you could please assist it has been three months we have been calling them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). We are very frustrated and now they are threatening to take our home and I have been ill unable to work and this added pressure is overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I wanted to alert you that the Debt Buyer, Pressler and Pressler LLP, continue to engage in practices that are forbidden per XXXX. My wife and I have had an on-going legal battle with them over a {$300.00} bill from an XXXX office. 
My wife and I were not married at the time and I fear that Pressler and Pressler bought this debt for pennies on the dollar and then moved forward with a lawsuit suspecting that a single mother would n't have the time, fortitude, or knowledge to fight back. 
Relevant but not central to this complaint is that my wife never actually owed the debt, it was a mixup with the health insurance companies at the time of her service. 

Pressler and Pressler has already levied over {$300.00} out of her account and we have an upcoming case in Superior Court. I have confidence that the court will see the proper path forward at that time, but I did want to let you know about these on-going practices. 

Attached is just some of the more recent harassing and antagonizing debt collection efforts. I believe Pressler bought this debt and pursued legal remedy based on a heuristic data-centric model, rather than an attorney that actually sat down and examined the case. This is in exact opposition of XXXX, specifically most of subsections in " Prohibiting Debt-Collection Litigation Activities Without a Reasonable Basis ''. 
Our current goal is not to seek federal relief but instead to alert the CFPB of Pressler and Pressler 's aggregious deflection of the Bureau 's previous finding. 
Please contact me if you need any supporting documentation or facts. 

Respectfully, XXXX XXXX RE : Pressler and Pressler , LLP XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Medical bill from XXXX years ago was just posted to my credit report this month. I have no way to dispute this account because my personal records and bank records only go back XXXX months. How can someone wait XXXX years to report an unpaid bill and only be required to provide my name, SSN, and address, effectively putting the burden on me to prove I did pay or that the account is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.

Company response to consumer: Closed with explanation