vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am working with my servicer to get a loan modification. I fill out the forms that they require and send them to the address listed on the form. I send the documents priority mail with tracking from the post office to ensure receipt. 

I follow up with a phone call and get told that they do n't have them. Then I receive the documents returned as undeliverable with a forwarding stamp which is expired. 

The documents clearly state send to " Seterus Inc. XXXX XXXX XXXX, XXXX XXXX, MI XXXX '' I have included a screen shot dated and time stamped Wed XXXX XXXX, XXXX. The Seterus Rep said, " Oh we have n't used that address for months. '' as if I was a nincompoop for using this. And when I pointed out that this was the information that was currently on their website she seemed completely unconcerned with the misinformation and the potential consequences. and, of course, " Well your loan documents are now expired you have to start over. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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 XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed XXXX separate disputes with Equifax in regards to collector " XXXX XXXX. '' They never contacted me with information. I never received a notice from them stating I owed said debt. I check my credit regularly, and noticed XXXX accounts from this collector were added on my report. All of the telephone numbers I look up have been disconnected. Equifax is the only bureau that shows these XXXX accounts total. I can not move forward with looking for a house with these XXXX accounts XXXX my credit. I have tried to contact money control, but like I explained previously, all of their contact information comes back disconnected. I am not sure what else I can do at this point. Please help since Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed my birth date as incorrect with a copy drivers license and ssn card. This issue has not been resolved and more debt has been added to my account with the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All XXXX major credit reporting agencies are allowed to DOWNGRADE a consumer 's FICO credit score -- an important measurement when seeking a mortgage -- EVERY TIME A LENDER/RETAILER requests a report, regardless of whether credit was requested or granted. For example, all credit card companies intermittently pull a customer 's credit report as well as routinely doing so upon the account 's renewal date. Further, when shopping lenders to determine their current interest rates a credit report is ALWAYS viewed before any information is revealed to the inquirer. My credit score was DOWNGRADED from XXXX to XXXX during a recent search for lender terms because of this scurrilous practice allowed by all XXXX credit reporting agencies. Any complaint about this practice to all XXXX agencies was met with a bureaucratic nightmare resulting in no real answer. There is no reasonable explanation for such creditworthiness DAMAGE based on NOTHING MORE than a unchallenged COMMON PRACTICE. It is time that this practice to be corrected in favor of the consumer. In fact, to provide documentation to attach to this form will result in YET ANOTHER REDUCTION in my FICO CREDITWORTHINESS score. Do you see what I mean?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: UT

Complaint narrative:
I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a public record judgment on my credit report which is in error. 
I sent a copy of court records, which the court clearly states that the judgment is in error. 
Instead of removing the judgment from my report, Equifax changes the status to " paid and released ''. I suspect they did not even read my letter nor read the case documents which I included. What kind of 'investigation ' did Equifax conduct, and how and to whom did they conduct this? They claim to have investigated this with the XXXX XXXX Courthouse, which does not maintain the records on this case anymore. This public record, is preventing me from purchasing a home, and causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discharged from bankrupcy in XXXX 2015. I believe there is information reported on my reports that should not be there. ( ex : open status, balances )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had XXXX XXXX investigated through Equifax credit reporting agency. After a 30 day investigation XXXX XXXX was deleted from my Equifax credit bureau report. I just checked my XXXX credit report today and Equifax is reporting XXXX XXXX on my Credit Bureau report again. 

New Accounts Reported Since your last update on XXXX XXXX, XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported XXXX XXXX XXXX XXXX XXXX, XXXX {$25000.00} $ 28,684EquifaxXXXX/XXXX XXXXCredit CardXXXX XXXX, XXXX $ XXXXEquifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listed as having an address in South Dakota, and I have never even visited SD. 
and another address is wrong. 
I have never lived XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company response to consumer: Closed with explanation