vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Equifax to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Equifax with the opportunity to remove the item before it has harmed me any further. I contacted your offices in Georgia and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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 a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX NEEDS TO UPDATE THEIR CREDIT REPORT TO SHOW THAT ACCOUNT XXXX XXXX XXXX HAS BEEN CLOSED. CAR WAS PAID OFF XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I 've noticed there was an address reported on my personal information which is the XXXX address which that I do n't know of because I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This collection not coming from a credit card company but a collection agency which has sent collection letters for a debt that is not mine and has now taken it to court. 

It does not match with any credit card I have ever had now or in the past!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Since XXXX 2015 our mortgage company Seterus Inc. has not credited our payments correctly and because of this they have charged us late fees because the payments are going into supense. I have called and spoke with the customer service people who say they are fixing it and still it is not fixed. I then have called and spoken to the supervisor of the call center XXXX XXXX who assured me she would have it fixed and still not corrected and also XXXX XXXX. I have spent over 15 hours on the phone with these people and all of who say that it will be corrected and that I can make my payment and it still is not fixed. I was told that it was because i was making my payments too early for the monthly payment, so then I started waiting to make the payments one the XXXX and still not fixed. They have my money in suspense and have not corrected my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
My mortgage was originally opened with XXXX XXXX XXXX. I am currently retired, living on my Social Security and a small pension. My social security is received by my bank on the XXXX Wednesday of the month at which time my monthly mortgage payment is applied. Originally, prior to XXXX XXXX, the mortgage was paid on the XXXX of each month. This became a problem since Social Security made it 's payment on the XXXX Wednesday of a the month. Sometime around XXXX XXXX I made a loan modification agreement with XXXX XXXX XXXX to extend the mortgage due date from the XXXX of the month to the XXXX of the month. 

Seterus, a new mortgage company, took over my loan in XXXX, XXXX, without accounting for this loan modification. In addition, they did not account for my XXXX payment which was deducted from my bank on XXXX, XXXX, XXXX. These errors have not been corrected. Seterus now shows my mortgage in arrears, which is incorrect and creates an error in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX of the addresses it stated I lived in MD. I have never lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
RE : EBAY ITEM XXXX I am having a problem with the billing for this item. When I checked out at purchase I was given XXXX billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. 

However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. 

I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On XX/XX/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. 

I believe changing the terms of a sale after close is a fraudulent business practice.

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

Complaint narrative:
my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a XXXX account that claims I have XXXX % utilization or XXXX/XXXX where it should beXXXX/XXXXI have a XXXX account that says I have aa XXXX % utliztion or XXXX/XXXX where it should be XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Sent Equifax certified mail XXXX which they received 32 days ago. I have not heard back from them and am locked of out viewing my equifax report. I contacted them asking them to show me how they came back as the account with XXXX XXXX being 'verified '. Still, no response. I sent them a fax an additional XXXX times asking them to give me information on the account. Since it 's been over 30 days, this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
My husband passed away in XXXX of 2013. We had a mortgage with XXXX XXXX XXXX ( servicer ) When I tried to have everything turned over into my name I was told that I had not signed the note therefore I would need to assume the loan. My loan was than transferred to Seterus INC . I have been working with them for the past year to assume my mortgage but they are behind in the assumption dept. so my documents are expiring and I have to re-submit. I spoke to someone today that said I need a Non Recourse Assumption ad she was going to try and get info for me and I should call her back in a week. Seterus is a servicer for XXXX who purchased my loan from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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:
credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: SCV Inc.
State: OK

Complaint narrative:
Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is continuing to report XXXX accounts have been recently deleted due to no/cancelled contract. Disputed via phone as well as fax and online. 

1. XXXX # XXXX 2. XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation