vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there is a mix up on my credit report my credit report a man by the name XXXX XXXX XXXX credit has been mixed together his middle initial is the only difference we both have the same social number and the credit company it 's giving me a hard time because Their security questions they ask I can not answer because they are the security questions for the other person I have nothing on my credit report and he has multiple loan and credit cards dating back from when I was only XXXX and XXXX years old I 'm stuck in the situation where I have nowhere else to turn I tried to send them proof to Equifax and I have not gotten a response. XXXX I have nothing on the credit score the only thing that 's on that Equifax XXXX is all the other guys information there are XXXX addresses listed on the personal information XXXX of them are addresses from Tennessee I have never been There XXXX of them being in XXXX XXXX which that XXXX is my old address he has taken out student loans unsecured loans and have had credit cards he 's using my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX accounts and XXXX address do not belong on my account I was not released from XXXX until 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked equifax, XXXX and XXXX to remove inaccurate address and phone number for my credit. I was told by all XXXX that they will be remove the information but they still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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:
equifax fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Several collection items were reinserted into my Equifax file after being removed previously. Per the FCRA, I was to be notified within 5 days of the reinsertion, but I was not. Since XX/XX/XXXX, I have filed complaints directly with Equifax & through the BBB, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a student loan serviced through XXXX XXXX XXXX. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Our mortgage is currently held by Seterus - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX ( XXXX ). We went through a bankruptcy / chapter XXXX and were discharged XXXX XXXX, 2015. We are in the process of refinancing with XXXX XXXX and have requested a payoff from Seterus. We have called many times and their response is always the same ... they can not issue a payoff to XXXX XXXX because they have not yet recognized the discharge/termination of the bankruptcy. They do n't seem to be willing to resolve this matter. We are locked in to a rate and are hoping to resolve this before it expires. We need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Need updated payment history prior to filing bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX XXXX claims that my account has a pass due amount of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A judgment was granted against me for summary ejectment in magistrate court in XXXX XXXX, 2011 in XXXX County Courthouse, XXXX, NC under file # XXXX. I filed an appeal to District Ct. under file # XXXX the judge ordered that I pay {$340.00} which I had paid partially in an appeal bond of {$320.00}, I paid the remaining balance of {$17.00} after the hearing on XXXX XXXX, 2011. After the magistrate hearing XXXX the owner of the leasing company reported to the credit bureau the judgment and even though it was paid in full 4 years ago he refusing to allow the bureaus to remove or correct the judgment on my report. I have asked him to correct the report and I have filed several requests for investigation to Equifax. I have filed a civil action against XXXX because he will not allow the bureau to correct the information and tell the bureau that money is still owed even though the clerk of clerk has marked the judgment paid in full. The caption on the judgment is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is owned by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX I am the former spouse of a XXXX XXXX ( XXXX ) trying to re-establish my credit after the divorce to be able to support my kids and buy a home for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Our mortgage company Seterus has failed to provide us with monthly statements for several years. They have varying reasons as why this is the case, all of which are not their fault. In XXXX 2015, I filed a complaint with CFPB ( Case # XXXX ) due to the severity of our financial situation at that time. We never received a " regular '' statement by mail, but our online access was restored. I still have online access, but the most recent statement is XXXX 2015. I am now missing 6 months of statements. Surely this ca n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: FL

Complaint narrative:
I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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 contact equifax because there was some unknown inquires on my credit report and i ask them to remove them because i have proof from the creditors to have them to remove the inquires but they fail to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This happens every year. When I try to get my annual credit report, I have no problem with XXXX or XXXX. But Equifax arbitrarily denies access to my credit report claiming " security. '' They then set forth a long list of documents that I have to provide by mail to get my report. I think they are doing this to avoid having to provide a report. You should investigate their practices with respect to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted bk information to Equifax several times proving that this debt has been dismissed and should not be reported as an open/ongoing collection account as they are doing, they have refused to change this in my credit report, XXXX & XXXX have removed this account and show no collections in my reports, only Equifax has not done so. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
My mortgage lender, Seterus, Inc., sent a letter and coupon XX/XX/2016 stating that I had a projected escrow shortage of {$8.00}. I included the payment coupon and the additional {$8.00} with my regular monthly payment in XXXX 2016, for a total payment of {$550.00}. The company has received the payment and cashed the check, but have credited the entire amount to my escrow account and show that I have not made an XXXX 2016 payment. I have been in telephone contact with Seterus, Inc iand spoken to XXXX XXXX ; XXXX XXXX acknowledges receipt of the funds, but states that they can not move my payment from my escrow account without written communication from me, which is only accepted by U.S. Mail. There is no way to send this request electronically. The result is that I will have late fees, that should not be charged to me as my payment was in their hands long before it was due. I am sending the letter but find that Seterus, Inc. business practices are predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an address of XXXX XXXX XXXX, XXXX, Ca. XXXX listed on my credit report and I have never lived in Ca.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax called me for some reason then refused to talk to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disturbed, this is very appalling, something that never went through the system, and that you continue to list the Current Disposition Dismissed/Closed CHXXXX as confirmed within my credit file.This is very damaging to my XXXX grandkids, my family, and is very detrimental. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The other XXXX agencies have already deleted this data when 7 years was done. I suffered enough because I never finished this proceeding out filing chapter XXXX. Also there is no signatures. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2014, I have attempted to get my annual credit report from Equifax. 
On their request form it asks for information about a mortgage and a recent auto loan, neither of which I have. It then tells me to send in a copy of my S.S. Card and my drivers license and a copy of my lease. Basically, my entire life information. 
Then I never receive anything in the mail. 
Twice I have sent information. Twice I have received nothing in the mail. 
This is HIGHLY concerning as they are apparently showing items that would indicate identity theft, yet refuse to follow the law and give me a free copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I had a Heloc with Greentree. That loan was paid off in XXXX of 2010 when I financed my home. I am the process of refinancing again and in the process found a lien on the property. There was never a release filed after the closing by Greentree. I have made many calls, as well as the closing attorney, handling my refinance, to Greentree attempting to get a release since the beginning of XXXX and still have not received a release. As I understand it that release notification was to be done within 2 months of the payoff of the loan and here it is 4.5 years later and nothing has been done and I am getting no satisfaction from Greentree. I have talked to many people at Greentree and I never get a straight answer from them. I asked for them to email or fax a copy of the release and they tell me they ca n't because it is in the documents dept and they take 30-45 days to process. So here we are past that time frame and still nothing has been done. This is the most unprofessional organization I have ever dealt with.

Company response to consumer: Closed with explanation