vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I learn that i had a judgment on my credit report once i check my report. i was late but i paid the management of XXXX XXXX, this was in XXXX. My credit report states that it was satisfied XX/XX/XXXX.I do n't no anything about a court day. Or why this judgment exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Mortgage company Seterus has not reported my mortgage payments to any of the credit agencies. XXXX XXXX XXXX sold the loan to Seterus XX/XX/XXXX right in the middle of me refinancing and I have not been able to refinance because Seterus has not reported anything to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Credit Report reflects adverse accounts which are beyond the seven year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of seven years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While i filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. This would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the seen year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are not requiring to furnish such information. Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. It would take but a minute to review the credit report to see that information is inaccurate. For example the XXXX account states the first Major Delinquency was XX/XX/XXXX but it also goes on to state that it was first reported XX/XX/XXXX. How could it be reported in XXXX if it did n't happen until XXXX? Please remove these adverse accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX, 2016 Credco ran a inqury with XXXX. I have wrote to the company and the credit agency. 
I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit .I DID NOT authorize this inqury!!!!!!!!!!! I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

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 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I HAVE DISPUTE XXXX ACCOUNTS ON MY EQUAFAX CREDIT REPORT ABOY A MONTH AGO. I EVEN DISPUTED THE ACCOUNT WITH MY CREDITOR RECENTLY AND THEY SENT ME A LETTER THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATE. ON MY OTHER ACCOUNT I HAVE DISPUTE A NOTICE THE INFORMATION I HAVE DISPUTE HAS BEEN UPDATED BUT THE BALANCE IS NOT UPDATED OR CORRECT. SO EARLIER TODAY I WAS GOING ON LINE TO FILE DISPUTE AGAIN WITH THE CREDITORS AS I WAS LOGGING ON TO THE ONLINE DISPUTE ON EQUIFAX .I LOOK DOWN ON XXXX OF MY ACCOUNTS THAT I WAS GOING AND I SEE THAT MY 81 MONTH PAYMENT HISTORY HAS BEEN UPDATED AND IT SHOWS THE MONTHS AS CURRENT FOR THE MONTHS. AS PAY AS AGREE BECAUSE ON MY EQUIFAX CREDIT REPORT IT SHOWS A NOT REPORTED OR NR ON THE MONTHS IN QUESTION. SO I CALL THE EQUIFAX DISPUTE NUMBER AND I ASK THEM WHY DO I SEE MY ACCOUNTS ON THE ONLINE DISPUTE SIDE AS CURRENT AND IT SHOWS MY PAYMENTS HISTORY CURRENT BUT WHEN I LOGGED INTO MY EQUIFAX PERSONAL SOLUTION ACCOUNT IT SHOWS NR AS NO REPORTING FOR XXXX AND ALSO MY XXXX XXXX ACCOUNT. ACCOUNT NUMBER FOR XXXX XXXX XXXX AND ALSO MY XXXX XXXX XXXX XXXX AND XXXX XXXX. THEY ASK IF I WANT TO FILE A DISPUTE. ITS LIKE I DONT NEED TO. THE ACCOUNT ARE UPDATED HOW COME IT DOESNT SHOW WHEN I LOG IN. THEY DIDNT HAVE ANSWER FOR THAT. ALSO ON MY XXXX XXXX ACCOUNT IT STILL NEEDS TO BE UPDATED THE BALANCE OWE IS NOT RIGHT. I HAVE SUMMITED DOCUMENTS FROM XXXX XXXX TO SHOW THE CORRECT BALANCE. WHAT I OWE IS XXXX NOT XXXX. DATE OF LAST PAYMENT SAYS XXXX 2016. MY LAST PAYMENT I MADE WAS XXXX OF 2016. DATE OF LAST ACTIVITY IS THE SAME WITH MY LAST PAYMENT. I AM DISPUTING THE BALANCE, LAST PAYMENT ON MY CREDIT REPORT AND I AM DISPUTING THE DATE OF LAST ACTIVITY. ALL SHOULD SAY XXXX OF 2016. ON MY XXXX XXXX ACCOUNT IT STATES MY NEXT PAYMENT IS DUE XXXX ON XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Someone is using my Social Security number and has a mortgage and credit card. I could not access my report because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a mis-spelling of my name that is reported and an address that is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Equifax keeps adding information that is not mine or previously deleted to my credit reports.

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: MO

Complaint narrative:
Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Equifax sent a standard response of : Please be advised the creditor verified the XXXX XXXX XXXX account number XXXX correct as reported by credit grantor in case number XXXX. 
Apparently the letter ATTACHED stating the trade line will be deleted was NOT reviewed!!!!!!! Is this website/credit bureaus even PARTIALLY responsible for assisting with this matter instead of just replying with a simple one liner WITHOUT reviewing the facts???!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation