vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The verifiable credit information choices to verify my identity, with Equifax, is all wrong. None of the choices pertain to me and I can not get my online credit report with them that I am allowed and owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My second mortgage loan with XXXX XXXX XXXX past due amount was paid in full in XX/XX/XXXX. And, I continually pay the monthly payment due each month until the full amount, showing on my credit report to date, is fully paid. XXXX XXXX XXXX must change the status of my loan to " pays as agreed ''. Charged off account, as committed by XXXX XXXX XXXX is false, as I am current on my monthly dues as noted on my credit report. 
On my personal information, the XXXX addresses showing and reported that I have lived in : former addresses XXXX and XXXX need to be deleted. I do n't recall living in these XXXX addresses. 
Lastly, there 's a query listed from a XXXX XXXX on XX/XX/XXXX. Please remove that on my profile, I have never dealt with XXXX XXXX before. 
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been disputing my credit report with XXXX and Equifax , I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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:
In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had several inquires reported on my credit report on XXXX/XXXX/16 from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX dealers and XXXX. I have contacted all of these companies via telephone and by letter. They all have informed me that they do not have any information to provide me regarding the inquiry. I have asked Equifax to provide me with information they have collected from these companies. Which I have not recieved. I have asked for removal.

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

Complaint narrative:
I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!

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: LA

Complaint narrative:
Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.

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

Complaint narrative:
As part of our divorce settlement, my ex wife agreed to take full responsibility of a vehicle loan. The car was always in her possession. My ex wife decided to make partial payments and non payments after our separation. I tried to explain the situation with the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance
State: CO

Complaint narrative:
I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I 'd like to file a complaint against my mortgage loan servicer Seterus , Inc . 
I 've tried ( twice already ) to apply for a loan modification program through the 'Keep Your Home California '' Program to no avail. 
Basically, they refuse to even talk to me because my late husband XXXX XXXX, who passed away in XXXX 2013, was the borrower not me. 
They do not recognize the Living Trust document which was prepared by my husband making me the executor of the estate. I am also on the Grand Deed as a co-owner of the property. 
I sent a letter to the President of the company but received no reply. 
I am a widow living on Survivor 's Benefits and have a problem to pay all of my bills. 
My loan payments are up to date but I need help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has indicated that the account is set to closed, and it is not. 

This is at least, the 4th complaint regarding the closure of a tradeline in my credit report. 
In complaint XXXX, EQ indicated that the account was closed, but it is not. I believe this is willful violation, because reasonable and then exceptional proof has been supplied to thic CRA - and with no reasonable action taken on their part. 

The activity Designator, still - has the NA value when it should not. This account was closed by me - months ago. 

Another sample of a " Closed '' account, from my report - with the corrrect designator is supplied. 

N/A, means not applicable -For this field, all tradelines that are not open, then requires this field to be applicable. 
My Credit report from Today, XXXX XXXX is attached, as well as the original screen shots from the 1st, 2nd, 3rd and now fourth complaint. 

Please close the account, and please correct the Activity designator to " CLOSED '' - Willfully violate obligations under the FCRA, ( Basic Damages or actual ( provable ) damages ( no limit ), or statutory damages ) Complaint # 4

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
I recently had a change in mortgage loan servicer. The new company named Seterus has acted very predatory. They have placed collection calls to me if the payment is not made on the first and I have always paid within the grace period by the XXXX never a 30day late payment. When I have complained to them, they say I can request only in writing, for them to stop calling. A written request from me is the only way they will consider avoiding this horrassment. When they first took over service, without any notice they dispatched a local contractor to enter my home, change the locks and remove my belongings. Needless to say I was alarmed! The XXXX guys at my door showed me showed me Seterus work order and gave me an XXXX number for a service contractor based in some other state. The contractors would not give me there names or provide any identification. I have everything documented for this action. The latest go around with Seterus involves unjustified charges on my loan account. They told me on the phone that I could stop the collection of property tax escrow ( not a requirement of the note ). Again the request must be in writing and they gave me a persons name a fax number to send. So I produced a written request and faxed it in early XXXX. Three weeks later they wrote back and said they were processing my request. On XXXX XXXX I made a regular payment for P & I but did not include an escrow amount. So today I got a call from Seterus again, this time demanding the escrow amount and a {$65.00} late fee. XXXX their representative never stated their statutory legal statement that they are a debt collector, but she did go on to affirm that they recieved my payment however she would not refund or strike off the late fee charges. XXXX put me on long holds at least three times and said she was trying to clear up the escrow issue. Again the standard statement was : that I could send them a written request to write off the late fee. Instead I told XXXX a representative of Seterus not to call me for any reason unless my loan is thirty days past due. I further stated that we are in dispute and it should be resolved in writing, " therefore I stated '' " do not call me for any reason, unless I am more then thirty days past due ''. She replied " they will continue to call every five days ''. I did n't think it was legal for a debt collector to act this way. Hence my description " preditory ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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 part of the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), a letter was sent certified mail on XXXX XXXX, to Equifax, requesting the following information, and to date - Equifax has failed to comply. 

1. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. I am due a new and updated Credit Report, at the closure of each dispute item. 

I also have no updated Credit Report, and as per the same act - Equifax is mandated to supply XXXX to me and has not. 

Attached is the letter sent to Equifax on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax , is sharing my private credit information with others who are not me without my permission.

Company response to consumer: Closed with explanation