vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rushmore Service Center, LLC
State: SD

Complaint narrative:
I set up re-occuring payments, the debt collector agreed to the amount I could pay. I previously had payments set up on hold with them, my debt with them increased in amount so I called back and set up a larger amount bi-weekly. The debt collector said they canceled my old payments on hold, Instead they ran XXXX payments thru my checking account. The old amount & the new amount, resulting in double payments being drafted thru my checking account without my consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NC

Complaint narrative:
This is the XXXX complaint that I 'm filing against United Recovery Services since they started to call me like a fool XX/XX/XXXX at XXXX on my home phone and XXXX cell phones. They called me again today at XXXX on my home phone XXXX time, XXXX time on my XXXX cell phone at XXXX and XXXX times on my XXXX cell phone at XXXX and then again at XXXX. My previous XXXX complaints filed gives you an overview of how I 'm being harassed by this debt collector for some reason. For the past XXXX months, XXXX XXXX XXXX ( XXXX ) XXXX has consolidated and have been getting XXXX debts that I owe paid down, paid off, and resolved. But XXXX of these XXXX creditors seems to me to have taken it upon themselves to launch a retribution, harassment, and spite campaign against me, XXXX XXXX XXXX, or both us the way I see it. The creditor, whoever he or she maybe, is using United Recovery Services as a proxy to harass me throughout the day. All along, XXXX XXXX XXXX has been representing me pertaining to these financial matters for about XXXX months now ... since XX/XX/XXXX/XX/XX/XXXX. I 'm not a lawyer, but I feel rights are being violated by calling me after XXXX, calling me on my XXXX cell phones without my permission, and calling me more than XXXX times a day, sometimes XXXX times a day total. This is illegal and criminal if it is being done intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: MA

Complaint narrative:
this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.

Company response to consumer: Closed
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Good day. This is additional information in reference to case number XXXX. Since the first complaint filed I am still having issues. Seterus sent me a letter stating the escrow was short and my mortgage payment would increase. A few weeks later they sent a letter of apology about the escrow letter being an error and to please disregard. Shortly after I receive another invoice with an additional {$140.00} attached to it ; I have no idea what this is. And last week I received a letter stating they did not have my social security number or a XXXX on file for me and sent a XXXX form for me to fill out. I have no idea what is happening with my account with this company but I am praying that someone get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and myself have been fighting identity theft for months and it seems we have gotten everything take care of except " inquiries '' i have made no inquiries on my credit report and there should be no new inquiries for me other than target. Any other inquiries for my credit are fraudulent and i have mailed about this before

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have not been able to get the free annual credit report fromEquifax and have not been able to contact them via phonebecause the number they list on their website connects toXXXX conferencing. I have a freeze on my account butwhen you attempt to submit an online request for thereport there is no place to insert the pin # thereby initiating anautomatic request to fill out and send in a hard copy form whichcontains personal information which I do n't want to disclose in thismanner for obvious reasons. Additionally, the automated phonesystem has no option to connect you with a customer service rep. 
I have not received the free annual report since 2013. I obtainedtheir actual phone number from the consumer action handbooknot their website as would be expected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
never been late as shown on report from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account supposed to be closed and has a XXXX balance. please fix this issue with Equifax crdedit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am unable to do a temporary lift of freeze of my equifax credit report either online or via the automated phone system. The only way I can do a temporary lift has been to call the credit freeze department and they will offer to manual do this themselves for me, but they are unable to help me make the online system or phone system work when I try to use these systems. I do not want to have to contact the credit freeze department each time I need to do a temporary lift of my credit freeze, because they have made mistakes when they have done this service for me in the past. Also, their service is only available during normal business hours and not XXXX. Lastly, according to law, I should have the option of lifting my security freeze via phone automated system or via the online system. 

Please note I have done numerous things to solve the problem including calls to equifax corporate office XXXX ; Calls to the credit freeze department XXXX, calls to the consumer service office XXXX, calls to the equifax complaints office XXXX, and numerous other numbers. I have spend hours on the line without receiving effective help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX could not validate these accounts, Equifax needs to follow suit. The debt can not be validated, therefore it needs to be removed from my credit report. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had these inquiries posted to my credit report. I can provide emails, text messages and names and numbers for people who are told not to submit my credit to banks and went ahead and done it anyway. 


View Report From : Credit Report Provided by Advertiser Disclosure Items For Review Full Credit Report Past Due ( XXXX ) Sent for Collection ( XXXX ) Missed Payments in History ( XXXX ) Remarks on Accounts ( XXXX ) Multiple Recent Inquiries ( XXXX ) No Recent Activity ( XXXX ) Recent Address Change ( XXXX ) Employers Reported ( XXXX ) OverviewAccountsCredit InquiriesCollectionsPublic Records Back to Full Credit Report View Jump to Next Steps The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you 're confused about any of the terms used on this page, read more about the specific data displayed here. 

Sort By : XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 EQUIFAX CONS AFFAI XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016

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

Complaint narrative:
Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Our home mortgage was sold to XXXX. They hired Seterus Inc. to service the loan. This year, Seterus began demanding money in excess of the required monthly payment under the loan documents. They threaten to foreclose if the extra amount is not paid, but we have not paid it. When I asked for an explanation they simply remained silent. I am an attorney. I believe they are demanding excess funds not authorized by the mortgage. They do nothing when we refuse to pay. This has been going on for about five months. The amounts they are demanding make no sense. They are different every month. I checked on the Internet, and they seem to be doing this to many other people. I believe it is a scheme to defraud people out of money they do not owe. There is other misconduct Seterus is committing. If you run a search on the Internet for Seterus Inc., these consumer complaints show up. I am certain I have not heard all of them yet. I can not believe this misconduct is occurring. I feel sure that the owner of the loan does not know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Went to check on a vehicle asked them to run out credit with only XXXX companies and they did it with XXXX. I did not authorize them to do that! And so there are tons of marks on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a judgement on my XXXX and Equifax accounts and I 've stayed with my parents since XX/XX/2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the removal of my Chapter XXXX dismissal multiple times, both via mail and online with Equifax for several years. They have not provided a valid reason for non-removal or response. I have verified the correct address and obviously when submitted online twice it goes to the correct place. Online they acknowledge receipt but never remove it. I have sent them copies of my dismissal multiple times as well. This Chapter XXXX was only in effect for a couple of months and was dismissed on XX/XX/XXXX and should have only been reported for 7 years. Which means it should have been removed in XX/XX/XXXX. This has negatively affected my credit for the past 2 years as I am still having to pay higher interest rates and have been denied credit multiple times even though my credit score is high now due to the bankruptcy still reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.

Company response to consumer: Closed with explanation