vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company ( Equifax ) auto-debited a credit card they were not authorized to use for an annual subscription on XXXX/XXXX/2017. When I called to terminate on XXXX/XXXX/17 when I noticed the charge, they refused to refund the full amount of {$190.00} ; instead offering a prorated refund of {$160.00}. When I disputed this, they indicated they could choose when to terminate and selected XXXX/XXXX/2017 and were due the amount between XXXX and 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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
back in XXXX 2016 i use equifax to look at my credit report XXXX is a void order number i have chat with customer services they agree the number is wrong i try to have them remove the number from the account because i can not see all complete dispute

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I have made XXXX attempts with Equifax to have the incorrect information reporting on my credit report to be removed! Equifax, continues to tell me that the information has been validated. I have filed a police report with my local police station stating that I am a victim of identity theft and they are currently investigating the issue as we speak. I would like to have the incorrect items in question to be removed. Please see the attached police report that I have submitted to Equifax 3 times already. Please help me resolve this issue.

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

Complaint narrative:
I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My husband had a loan with Seterus, and was in the middle of making trial payments to have the loan modified when he passed away XX/XX/XXXX. I wanted to assume the loan, and completed all paperwork to send to Seterus. There was an issue that took several months to resolve, as Seterus wanted me to have the home go through the Probate process before they would review the assumption application. I explained that I already owned the home since I was on the deed, and should n't have to pay the expenses of Probate since I own the home. This took Seterus several months to review, and finally send me a letter that they agree the property does not need to go through Probate - that i must have been " misinformed '' by someone at Seterus. Once this issue was resolved, i had to resubmit many of the documents since they were considered " out of date '' by Seterus. I did as they asked, and they sent a letter dated XX/XX/XXXX that they had received all the documents from me they needed and were reviewing for the assumption and I should receive an approval or denial in about 30 days. We are just a few days short of it being 60 days now. I have been calling each week since the 30 day point to see where we stand - and each person I speak to says there are no notes that reflect it 's even being worked on. This situation has been " escalated '' in Seterus system twice in XX/XX/XXXX - without any forward movement to the " escalation ''. I received a letter via XXXX on XX/XX/XXXX that Seterus was " responding to our request '' and had assigned XXXX XXXX with " Consumer and Government Affairs '' to our case. The letter said to reach him with any questions, and gave his number. I have since called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I left voicemails each time, and have not received one return phone call or message. I called the general customer service line on XX/XX/XXXX and spoke w XXXX XXXX who reviewed all notes, and agreed that the review did not appear to be moving forward, and got her supervisor XXXX XXXX involved. I spoke with XXXX and she said she would contact the " Assumptions Department Manager '' that day, and have them call me that day. I never heard from anyone ( XXXX or Assumptions Manager ) .I asked XXXX for her direct line and called her on it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - and left voicemails each time stating I had never heard from the Assumptions Department Manager - and I still have not received one return phone call or message from XXXX . I called the general customer service line today, XX/XX/XXXX and was advised there are still no notes or evidence that the review is moving forward. I want this process completed so that I can move forward with my life, and I 'm concerned that Seterus is taking so long, they 'll tell me my paperwork is out of date again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Equifax via certified mail multiple disputes along with supporting documentation for the items that i am disputing. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( 4 ). Equifax has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Equifax seems to be consistently taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My score on Equifax is totally wrong!! It says I have late payments. I always pay my bills on time. Can you please help me get this corrected???? 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Albert E. Acuna, P.A.
State: FL

Complaint narrative:
home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX and Equifax has not properly verified my disputes regarding XXXX. They have not validated the validity of the debt nor have they sent me such validation as I requested.

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

Complaint narrative:
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :

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

Complaint narrative:
Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed a child support collection account several times with Equifax. I have no past due balance and have not had a past due balance in over year. In fact, since XXXX, I have received a small refund check each and every month for overpayment. I have provided screen shots of my account, my case workers phone number. I submitted a dispute last month and Equifax came back, removed the historical balance and indicated that I have an even greater past due balance. I do n't think they are actually even checking. I am trying to purchase a home and this is making me completely ineligible and the information is inaccurate. I filed a previous complaint through this agency and Equifax replied to you that they updated my information. They added back incorrect information. I need this corrected. I am willing to have a conference call with the child support collection agency for the state of Colorado - whatever I need to do. Can you please assist me? This is unacceptable and my rights are being violated now for nearly a year. I am following the dispute and complaint process and this is not being resolved. I have attached the results from my most recent dispute. The log in page from my current child support account status page showing that I have a XXXX and the payment history showing the refunds for overpayment each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every month I have issues with Equifax. Its like a never ending complaint with them. In XXXX, I had issues with gaining access to my credit file, after numerous call back and forth to the personal department and the consumer department they were able to fix the issues. Then in XXXX the same issue occurred. When I call no one seems to no why I cant gain access to my credit file. Now in XXXX the same issue has occurred. I called several time trying to explain to them that this issue has occurred every month and the resolution but no one I talk to seem to be able to figure out the issue. I have n't been able to see my credit file since XXXX XXXX. I have attached snapshots of failed credit report request from over the last several months showing that this issues happens every month since XXXX 2015. The last time this issue occurred I just fax address verification to the Consumer department and the issue was resolved now one seems to know how to fix this issue. This is getting annoying. If you work at Equifax and I call you, you should be able to fix the issue I 'm explaining to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like the incorrect name XXXX XXXX XXXX removed from the Equifax report as there has never been such a name used by me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The XXXX account XXXX on my credit report should be reporting as " paid '' on my credit report according to XXXX. XXXX informed me this is an issue I need to resolve with the credit bureau directly. XXXX and XXXX are both reporting it correctly. Equifax is reporting as " derogatory ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report a balance of {$420.00} on a XXXX account ( XXXX ) which has been paid. I disputed this account with the three major credit reporting agencies and included a letter documenting that the account was fully resolved. XXXX and XXXX corrected the error, but Equifax continues to erroneously report a balance.

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 — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.

Company response to consumer: Closed with explanation