vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX All others were authorized. Thank you so very much.. I dont know what else to do!

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

Complaint narrative:
The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : INSTALLMENTSALES CONTRACTBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXXHigh Balance : $ XXXXPast Due : XXXX {$100.00} XXXX Pay Status : XXXX ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days XXXX and in XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXRating N/R X X X X C/O X X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXRating X X X XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXRating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRating XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Seterus is the mortgage loan servicing company to which I send my monthly payments. My payments are always made within the first week of each month and are " posted '' to my account within 3 to 5 days. However, my payment of XXXX 2015 took 15 days to be posted to my account. The company charged me a late fee with the following month 's statement. Instead of paying that fee, I sent them a letter with a copy of my cancelled check showing how long it took THEM to process it. I received no response at all from my letter, until the late charge appeared on my most recent statement again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed for a chap XXXX in 2008 in which the lawyer ripped me off and even though I had n't had any continued dealings with the Lawyer, the proceedings continued resulting in a dismissed Chap XXXX. I admit I lacked education at this time and did n't know I would be haunted years later even at just the attempt to file and be robbed for XXXX. I have disputed this item for several years and still Equifax reports this years later regardless of Section 1681 ( a ) ( 5 ) of The FCRA which mentions nothing suggesting this to be reported continuously for ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 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 for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've disputed this FRAUDULENT information several times, only for this company to continuously apply " paid '' debts to my credit reports.. Although, I have n't paid them anything because I do n't have any idea who they are?!! XXXX XXXX has applied tons of paid debts to all of my reports resulting in bad hits on my scores. This company needs to be shut down & I will be suing. You should first validate a debt, identify if you have the right consumer & then apply debts, but definitely not apply bogus debt reporting to anyone 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Disputed The following account on my file for XXXX. No validation has been provided to me and other Credit agencies have removed this from my file but Equifax insist they have validated this account but they have not provide me proof and they continue to report this bogus account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Equitable Acceptance Corp
State: ME

Complaint narrative:
Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE

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

Complaint narrative:
There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have sent Equifax requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.

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

Complaint narrative:
Equitfax reflects my school loan is defaulted. That is incorrect. I have consolidated all my loans and have been paying my school loan for the past two years. This process is frustrating and has ruined opportunities for me and my children 's education. No other credit report reflects this loan defaulted. Why does equitfax?? How does equitfax pull their data?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Address XXXX XXXX ct XXXXIs not nor ever been my place of residence or any affiliation to my life. 

Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Creditors cant pull my credit report and i cant pull it myself. I am also unable to modify my credit freeze. I have had this problem twice before and the only way to get it fixed is to file a complaint. When I call equifax everyone is beyond useless. I understand from the last XXXX complaints that my credit report is too long and needs to be cleared out. No one at equifax will believe that when I call. They say it is because of the freeze, but I can still pull my own credit with the freeze through equifax.com. I even offered to remove the freeze, but of course that causes an error and wont work because my report is messed up. I need this fixed and I need the contact information of someone who can fix it if it happens in the future. 
When I try to pull my credit report on equifax.com and i get : We are unable to complete your order at this time. Please contact our Customer Care department at XXXX XXXX XXXX XXXX 24 hours a day, 7 days a week for immediate assistance. Please record the following information and have it available when you call : Eval Code : XXXX Status Code : XXXX, Reason Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.

Company response to consumer: Closed with explanation