vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
We are in the process of selling our home. Our real estate attorney provided a request for the payoff statement for our mortgage from Seterus on XXXX XXXX, 2015. They said that it would take XXXX business days to receive this, even though a typical lender provides this within a few hours or up to XXXX business days. On XXXX XXXX, 2015, our attorney contacted them because she had not yet received the payoff statement. They said they were still within their XXXX business day window and were in the process of obtaining this information for our close scheduled for XXXX XXXX. On XXXX XXXX, 2015, my husband contacted Seterus to find out the status, since we had still not received this, and they told us that our request was declined and that it would be at least another XXXX business days. They are jeopardizing the sale of our home by virtually holding us hostage for a piece of documentation they refuse to provide despite the law in CT being that this must be provided within 7 business days of written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: SC

Complaint narrative:
I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The university double charged for the same courses and applied to credit account. without communication to allow for default or forbears.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Equifax , that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed MULTIPLE credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 & XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) Please remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint 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 30 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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I was not able to obtain my free annual credit report from Equifax XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern Equifax, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.

Company response to consumer: Closed with explanation