vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries on my equifax that i did not authorize they arent linked to any accounts on my credit file. I advise them of the discrepancies but all they did was send me a letter. Stating that companies can pull your credit for offers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Hi.. This is a 5 year horror show. My loan was never late. It was paid from an automatic pay directly from my bank account. I was struck with XXXX in XXXX. I asked XXXX/Seterus about a mod. They said I 'd have to fall behind 2 months to apply. ( another story ). So after several months of trying to get off auto-pay, I finally feel behind. $ XXXX/month and I paid my taxes and Ins. Well since then I 've had several Mods. Some were voided because of incorrect info from XXXX XXXX XXXX, others were voided after I successfully made my Trial Payments. They added all kinds of Fee 's and my Priciple and Interest went up approx. {$15.00}. After XXXX years of paying my mortgage, my P and I is {$2000.00} more than when I started.. Now they have offered me another Mod. thru my HUD councillor. I 'm making these Trial payments now, so as to not forclose me. They added 10 years to my mortgage. 10 years. From a 30 year to a 40 years.. I need help.. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were XXXX released and I have a copy of the release documents from the state. I would like to have XXXX of these state tax lien entries deleted from all my credit reports. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following hard inquiries on all my credit reports to include XXXX and equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxOPENXXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX, XXXX EquifaxI did voluntarily submit my info to XXXX XXXX XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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 not responding to any of my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX financial lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff +

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
someone else used my credit, was incarcerated when my credit was used

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I paid XXXX XXXX in settlement on an old account. *****************. We entered a settlement agreement of {$2000.00} which was paid in XXXX installments of {$340.00} and {$1700.00}. The credit burea does not reflect these payments or a zero balance.The account has been paid in full. Repeated requests to update or delete has fallen on deaf ears. All documents/cancelled checks have been forwarded to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern 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 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.

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

Complaint narrative:
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I retrieved my credit report five days ago. Among other things, I found that someone has posted to Equifax two almost identical entries that I owe to someone {$44.00} each. The person who posted those entries did so anonymously. I do not know who did that. I do not know to whom I am supposed to owe {$44.00} twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.

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

Complaint narrative:
XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered in XXXX 2015, when a low-balance credit card application was denied, that I am the victim of major identity theft. I placed fraud alerts and security freezes with all three of the main credit reporting bureaus. I also requested detailed copies of my credit reports. XXXX and XXXX eventually sent copies ; however, Equifax refused to send me a copy, because I could not answer their " security questions. '' I could not answer Equifax 's " security questions '' about mortgage loan amounts, or installment loan amounts, because those amounts were not mine! I contacted Equifax by phone, several times. I also contacted them via facsimile. I believe CFPB was able to get XXXX Equifax copy for me XX/XX/XXXX or XX/XX/XXXX. However, I need an updated, XXXX 2015, Equifax detailed report, so that I can officially dispute all current fraudulent items. ( Due to XXXX, I had to put all of this on hold. ) I still need to know the name of all of the loan companies in the Equifax report, & what kind of documents the thieves used to open up the fraudulent accounts. 
Equifax 's phone system is a nightmare ... they just keep referring you to other phone numbers. I need the CFPB 's assistance, once again, in obtaining a copy of my detailed Equifax credit report.

Company response to consumer: Closed with explanation