vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit reporting agencies are reporting Public Record Information on my profile that is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. 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 BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

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, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires 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 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.

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

Complaint narrative:
I have a address listed on my credit report and I have never resided at this residence this is the address that is XXXX XXXX XXXX XXXX XXXX IL, I have been in XXXX tx since 1991

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried multiple times to get Equifax to remove/correct certain accounts that are reporting on my credit report and each time they have failed to follow the FCRA or the FCBA. They have for months now violated my consumer rights and have not provided me with a proper method of verification nor have they corrected the status of the accounts i disputed. Each time I asked equifax to either correct it or delete and all I get is an automated response back with no changes. below are the accounts that are not resolved. 

XXXX XXXX XXXX XXXX # XXXX - this account is paid and closed but is reporting incorrect payment history. 

XXXX # XXXX - this account is charged off yet is reporting a balance which is a violation of the FCRA and FCBA. This account needs to be removed. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off yet still reporting a blance. I have tried many times to have this corrected and Equifax does nothing. 

XXXX # XXXX - this is a charged off account yet again reporting a balance. Equifax did nothing again to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Had XXXX old accounts from credit card companies. By statute under FDCPA they are to come off after seven years from date of last payment. Both XXXX and XXXX removed the inaccurate data no problem. Equifax has investigated it for 30 days and reported the same information. I told them last payment on accounts was XXXX 2009 and asked them for proof from the collection companies who bought the debts. Both of them replied the date of last payment was different month. I again stated to Equifax to provide a payment history from date of default showing last payment. Both collections companies have not done this and frankly can not supply this information as requested,. 
If these collection com [ anise can substantiate their position fine, but nether one has the resources of information to back up their claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have written Equifax several times, yet every time my loan officer pulls my credit report it still reads the same. The creditor name is " N/A ''. This is not accurate, not verifiable, and therefore illegal in reporting. They have always done this and I keep wriring them to point out and then they tell me who the creditor is. As they have had multiple opportunities to fix this mistake and refuse to change their ways I demand this be removed! 
You will see in what I attach all the "??? '' where I do not have a creditor name to write down! 

The account number showing is XXXX for {$1000.00}. I have no idea what this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C.
State: MI

Complaint narrative:
I am sending another complaint, no one seems to understand what happened to me .I Iost XXXX thru garnishment for a debt that is not mine. For XXXX XXXX finance agency has taken my money unlawfully because I did what they wanted. I did n't show for court .that should make me except this. If this is legitimate I should n't have to wait XXXX for verification. If this bill is mine I have no reason to persue like this, I really need someone help me. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
My complaint is with Seterus, Inc. For 3 to 4 years my mortgage account statement has had multiple errors ranging from misapplied payments to inaccurate interest, principal and escrow amounts. In the pass 5-6 months I have received 3 different mortgage payments. I have called Seterus and spoken to their representatives. They all say a review will be made on my account and yet I continue to receive erroneous statements. The mortgage payment is wrong, misapplied payments still exist and my monthly payment continues to rise every year even with a 3.9 % fixed interest rate. And every year Seterus claims it is due to taxes. With my previous mortgage companies this did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have informed Equifax many times that the following addresses do not belong to me : XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

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 — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a tax lien that has been paid and released since XX/XX/2014, and it is currently being reported as a negative item. This should have been removed because the information shows the release date of the lien! 
Both XXXX and XXXX have already updated my credit reports removing the tax lien that has been paid!

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

Complaint narrative:
I have mailed several letters via mail and disputed online with the credit bureau and colletors to have inquiries that I did not authorize. I have been effected and my credit score is suffering as an result

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Items were added to my credit report without prior written notification Per FRCA Section 611 all items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I opened a proper dispute with Equifax to dispute there is no such judgment of record for # XXXX or XXXX from this court for this date for this amount from this creditor. I have documentation from the XXXX XXXX XXXX XXXX that supports my dispute of these erroneous entries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on XXXX, Equifax , and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed the payment history with the letter dated XXXX. I have not heard anything until when I pulled my credit yesterday with XXXX XXXX, Equifax is showing that my balances are over utilized and that I was 60 days late with the XXXX credit card. This is defaming my name. I am now applying for an apartment and these inaccuracies are resulting in the inability to get an apartment. I expect immediate correction of the payment history of XXXX XXXX Credit card. Also, the balances are incorrect. It should read {$0.00} balance for XXXX CC an {$0.00} for the XXXX XXXX. 

Thank you,

Company response to consumer: Closed with explanation