vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint relates to a credit decision made by XXXX XXXX for a HELOC that I applied for on XXXX XXXX 2015. I was subsequently rejected as a result of a credit score pulled by XXXX XXXX 's mortgage company through Equifax. 

In the rejection documentation I received, I was informed that my credit score as per Equifax was XXXX, with a number of negative factors impacting my score. I subscribe to real time credit monitoring, and as of the day the inquiry was made on my credit, my Equifax score was reporting as XXXX. To confirm, I then purchased my Equifax score directly through the Equifax website, which shows XXXX as of XXXX XXXX, post XXXX XXXX 's inquiry. 

I reached out to XXXX XXXX to determine why there was this discrepancy in my credit score, which was directly responsible for my application being rejected. They were only able to tell me that they were using a report and score provided by Equifax on XXXX XXXX and that I should contact Equifax with my question. I went onto the Equifax website ; there is no way to dispute this type of discrepancy online. I am only able to dispute specific information on my credit report, which does not apply here. Additionally, I tried contacting them via phone ; there was also no means through which I could have this addressed via phone. 

My complaint summary is as follows:1 ) The Equifax report provided to XXXX XXXX on XXXX showed a credit score of XXXX. The Equifax score I purchased on XXXX showed a credit score of XXXX, much higher than the reported score to XXXX XXXX. I am complaining about the dramatic difference in scores, both of which came directly from Equifax, and led to the rejection of my HELOC application. 
2 ) I am also complaining about the difficulty in resolving this directly with Equifax, as they have made it nearly impossible to do so. 
3 ) I am complaining about the impossibility of knowing what my actual credit score is and being denied credit despite having good credit, according to Equifax themselves. How am I able to understand what my credit score is if Equifax themselves can not agree on what my credit score actually is? 

I have attached a copy of my credit score which I purchased from Equifax today ( File Name : Equifax FACT Rpt ) as well as the rejection letter I received from XXXX XXXX ( File Name : XXXX XXXX rejection ). You will note the dramatic differences in scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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 Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have requested validation and verification of this debt and nothing was sent as far as actual debt history and detailed bill transactions. Only says debt verified but nothing was sent to me as far as actual debt and signature or any proof I have never had a XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
XX/XX/2015, my mortgage was transferred from XXXX XXXX to Seterus , Inc . I set up automatic bill pay with Seterus, the first payment was set to auto-draft on XXXX XXXX. They payment never went through ( I was checking my own XXXX XXXX bank account ). The loan was due by XX/XX/XXXX, so on XXXX I got onto the Seterus website and paid it manually ( not via auto-pay ) so as not to be late on my mortgage payment. Two days after I manually paid the mortgage online, now on XXXX/XXXX/15... 4 days after the payment was SUPPOSED to have gone through, Seterus withdrew my mortgage payment. This double-payment resulted in me over-drafting my account, which resulted in further fees from my own bank, and I now have no money until the end of the month. Seterus has no listed phone number or email address to contact them to get the issue resolved. Issues must be resolved via fax or via mail ( actual mail, not e-mail ). I have faxed them, but it has now been almost 24 hours and I have had no response, and no way to contact them. I am now unable to pay all of my other bills and will certainly incur late charges on those bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I disputed a collection with Equifax and they denied the dispute. The collection is for a hospital in Wyoming, and I have never been to a hospital there. I disputed the collection with XXXX and they removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned 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 XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and was reported as such on all XXXX reports. Upon a credit pull today I see this status has been changed. This account was paid IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 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 filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
SHOWS OPEN AND LOAN WAS CONSOLIDATED AND PAID, SHOULD BE CLOSED, AT XXXX BALANCE ON EQUIFAX CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
I received notice from Equifax on XXXX/XXXX/XXXX that this account is not reporting on their file. However, in violation of Federal Law FCRA Part ( A ) ( 5 ) ( B ) ( ii ) they have reinserted this negative item onto my credit report on XXXX/XXXX/XXXX. This violation of Federal Law caused my credit score to drop XXXX points. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: MI

Complaint narrative:
My loan service company is Discover Student Loans. XX/XX/XXXX and XX/XX/2016, Discover made unauthorized withdrawals from my bank account without my permission and without actually crediting my loan with the money removed. XXXX the amount was {$130.00} and XX/XX/XXXX the amount was {$140.00}. I have attached screenshots of my bank account records as proof. When I asked them to return the money, they said they had no record of the transactions and asked for bank records, which I provided and I 've attached here. They rejected the bank records and said to check with my bank for a " remittance report. '' My bank did not know what that was, but still provided me with a more detailed record of the fraudulent withdrawals. I forwarded this information on to Discover and still have not gotten my money back. Discover basically stole almost {$300.00} from my bank account and is stonewalling any attempt by me to recover this money. My bank was able to reverse the XX/XX/XXXX charge, but due to the XX/XX/XXXX charge being over 60 days old, they can not reverse this charge and I am left to Discover 's mercy to get my money back. I have attached the additional information given to me by my bank for the outstanding XX/XX/XXXX charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX, XXXX. XXXX. XXXX. XXXX. XXXX. XXXX

Company response to consumer: Closed with non-monetary relief